It's been frozen until you call to reactivate it. Or they might have gotten your information from an online request you filled out while searching for information on cleaning malware from your computer.

In other instances, consumers had to click through a series of screens with hard-to-see boxes pre-checked to indicate the applicant approved extra goods or services, plus the add-on charges that came with them, he says. Three most recent Legal, regulatory, privacy issues stories:

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To help persuade the victim to agree to the deal, the scammer often sends one or more false documents which bear official government stamps , and seals. Often a photograph used by a scammer is not a picture of any person involved in the scheme. Multiple "people" involved in schemes are fictitious, and in many cases, one person controls many fictitious personae used in scams.

Could you help us with a loan? This is the money being stolen from the victim; the victim willingly transfers the money, usually through some irreversible channel such as a wire transfer , and the scammer receives and pockets it. More delays and additional costs are added, always keeping the promise of an imminent large transfer alive, convincing the victim that the money the victim is currently paying is covered several times over by the payoff.

Sometimes psychological pressure is added by claiming that the Nigerian side, to pay certain fees, had to sell belongings and borrow money on a house, or by comparing the salary scale and living conditions in Africa to those in the West. Much of the time, however, the needed psychological pressure is self-applied; once the victims have provided money toward the payoff, they feel they have a vested interest in seeing the "deal" through.

Some victims even believe they can cheat the other party, and walk away with all the money instead of just the percentage they were promised. During the course of many schemes, scammers ask victims to supply bank account information. Usually this is a "test" devised by the scammer to gauge the victim's gullibility ; [7] the bank account information isn't used directly by the scammer, because a fraudulent withdrawal from the account is more easily detected, reversed, and traced.

Scammers instead usually request that payments be made using a wire transfer service like Western Union and MoneyGram. The real reason is that wire transfers and similar methods of payment are irreversible, untraceable and, because identification beyond knowledge of the details of the transaction is often not required, completely anonymous. Telephone numbers used by scammers tend to come from burner phones. In Ivory Coast a scammer may purchase an inexpensive mobile phone and a pre-paid SIM card without submitting any identifying information.

If the scammers believe they are being traced, they discard their mobile phones and purchase new ones. Recipient addresses and email content are copied and pasted into a webmail interface using a stand-alone storage medium, such as a memory card. The police seized thousands of Nigerian and non-Nigerian passports, 10, blank British Airways boarding passes, 10, United States Postal money orders , customs documents, false university certificates, printing plates, and computers.

One individual estimated he sent emails per day and received about seven replies, citing that when he received a reply, he was 70 percent certain he would get the money. They hoped to have the service, dubbed "Eagle Claw", running at full capacity to warn a quarter of a million potential victims.

One particularly notable case of scam baiting involved an American who identified himself to a Nigerian scammer as James T. When the scammer — who apparently had never heard of the television series Star Trek — asked for his passport details, "Kirk" sent a copy of a fake passport with a photo of Star Trek's Captain Kirk, hoping the scammer would attempt to use it and get arrested.

The time between the funds appearing as available to the account holder and the check clearing is known as the "float", during which time the bank could technically be said to have floated a loan to the account holder to be covered with the funds from the bank clearing the check.

Even after it has cleared, funds may be reclaimed much later if fraud is discovered. The check given to the victim is typically counterfeit but drawn on a real account with real funds in it. With correct banking information a check can be produced that looks genuine, passes all counterfeit tests, and may initially clear the paying account if the account information is accurate and the funds are available.

However, whether it clears or not, it eventually becomes apparent either to the bank or the account holder that the check is a forgery. This can be as little as three days after the funds are available if the bank supposedly covering the check discovers the check information is invalid, or it could take months for an account-holder to notice a fraudulent debit. It has been suggested that in some cases a genuine check, from the payer's account, is issued with intent to defraud: Regardless of the amount of time involved, subject to certain limits, once the cashing bank is alerted the check is fraudulent, the transaction is reversed and the victim's account debited; this may lead to it being put in overdraft.

Western Union and MoneyGram wire transfers[ edit ] A central element of advance-fee fraud is the transaction from the victim to the scammer must be untraceable and irreversible. Otherwise, the victim, once they become aware of the scam, can successfully retrieve their money and alert officials who can track the accounts used by the scammer. Wire transfers via Western Union and MoneyGram are ideal for this purpose.

International wire transfers cannot be cancelled or reversed, and the person receiving the money cannot be tracked. Other non-cancellable forms of payment include postal money orders and cashier's checks, but wire transfer via Western Union or MoneyGram is more common.

Anonymous communication[ edit ] Since the scammer's operations must be untraceable to avoid identification, and because the scammer is often impersonating someone else, any communication between the scammer and his victim must be done through channels that hide the scammer's true identity. The following options in particular are widely used. Web-based email[ edit ] Because many free email services do not require valid identifying information, and also allow communication with many victims in a short span of time, they are the preferred method of communication for scammers.

Some services go so far as to mask the sender's source IP address Gmail being a common choice , making the scammer more difficult to trace to the country of origin. While Gmail does indeed strip headers from emails, it is, in fact, possible to trace an IP address from such an email. Scammers can create as many accounts as they wish, and often have several at a time.

In addition, if email providers are alerted to the scammer's activities and suspend the account, it is a trivial matter for the scammer to simply create a new account to resume scamming.

The fraudster impersonates associates, friends, or family members of the legitimate account owner in an attempt to defraud them. Fax transmissions[ edit ] Facsimile machines are commonly used tools of business, whenever a client requires a hard copy of a document. Thus, scammers posing as business entities often use fax transmissions as an anonymous form of communication. This is more expensive, as the prepaid phone and fax equipment cost more than email, but to a skeptical victim it can be more believable.

SMS messages[ edit ] Abusing SMS bulk senders such as WASPs , scammers subscribe to these services using fraudulent registration details and paying either via cash or stolen credit card details. They then send out masses of unsolicited SMSes to victims stating they have won a competition, lottery, reward, or like an event, and they have to contact somebody to claim their prize. Typically the details of the party to be contacted will be an equally untraceable email address or a virtual telephone number.

These messages may be sent over a weekend when the staff at the service providers are not working, enabling the scammer to be able to abuse the services for a whole weekend. Even when traceable, they give out long and winding procedures for procuring the reward real or unreal and that too with the impending huge cost of transportation and tax or duty charges.

A recent mid innovation is the use of a Premium Rate 'call back' number instead of a website or email in the SMS. On calling the number, the victim is first reassured that 'they are a winner' and then subjected to a long series of instructions on how to collect their 'winnings'. During the message, there will be frequent instructions to 'ring back in the event of problems'.

The call is always 'cut off' just before the victim has the chance to note all the details. Some victims call back multiple times in an effort to collect all the details. The scammer thus makes their money out of the fees charged for the calls. Telecommunications relay services[ edit ] Many scams use telephone calls to convince the victim that the person on the other end of the deal is a real, truthful person. The scammer, possibly impersonating a person of a nationality, or gender, other than their own, would arouse suspicion by telephoning the victim.

The scammer may claim they are deaf, and that they must use a relay service. The victim, possibly drawn in by sympathy for a disabled caller, might be more susceptible to the fraud.

FCC regulations and confidentiality laws require operators to relay calls verbatim and adhere to a strict code of confidentiality and ethics. Thus, no relay operator may judge the legality and legitimacy of a relay call and must relay it without interference. That's when you really go down the rabbit hole, he says. Dangling the promise of a prize, you're required to supply personal information and, often, to buy things, too, he says.

In one instance, consumers were told they couldn't receive their "prize" until they purchased at least 13 items and referred three other people who would do the same, he says. If you haven't entered a contest, it's unlikely someone will be contacting you about a prize, he says. And, with a real prize, you usually don't have to register, supply financial information or buy anything, he adds.

Be alert to any demand for personal information, or that you buy something to get a prize. Scammers will try to keep you on the hook to harvest as much cash and information as they can. Payday lending add-on scam The scam: Applying for a payday loan online? In other instances, consumers had to click through a series of screens with hard-to-see boxes pre-checked to indicate the applicant approved extra goods or services, plus the add-on charges that came with them, he says.

If you're applying for a loan, be wary if the lender is trying to sell you other products, Schall says. If you are determined to take out a payday loan, research the company ahead of time. This is a company that will likely be asking for your name and Social Security number, so you want to be sure it's legitimate and has a good track record, Schall says.

They'll say something like, 'Oh, I see that your computer has a lot of viruses. But if you give me remote access, I can clean it out. Do a web search with the name of the lender and the word "complaints. You suspect your computer's been infected. Luckily, you get a call from tech support at a company whose name you recognize. But if you give me remote access, I can clean it out,'" she says. And you can pay using a credit card , debit card or just your bank account number.

Con artists might be cold calling until they get a nibble, she says. Or they might have gotten your information from an online request you filled out while searching for information on cleaning malware from your computer.

And thanks to "spoofing" the ability to make caller ID reflect any return number or company name , you never know who's really on the other end of that phone. If you want computer help, you have to make the call. No one is hovering in the ether "just happening to notice" when you have a computer problem.

This scam works best with people who aren't especially computer savvy, Chan says. Know your limitations, but don't let your befuddlement about computers lead you to surrender information you wouldn't dream of handing over in person. A government agent calls to announce you've got a nice little windfall coming your way.

And it can be loaded directly to your debit or prepaid card. This one's been around for the last four to five years, she says. The details change -- the promised money could be a refund, a government grant or a reward for being a good citizen.

Sometimes the scammer will weave in familiar details or mention an issue in the headlines to make it sound realistic, Chan says. It will "notify you by mail. It's never smart to share card or account information with someone who calls you, no matter who the person claims to be, she says. And a real government employee would never call out of the blue to ask for it, she adds. From that point on, Jason re-evaluated his approach to picking up women and changed it into one very different from what he had previously learned.

As a result, he became known as the "10K Guy". Jason says nowadays guys put too much focus in the cold approach, making it more of a big deal than it is. Also, guys have a tendency to create sexual barriers that lead to being uncomfortable with themselves. Once this is overcome, they are more free to move to the next step with a woman. It was created by Angel Donovan. Help us improve this profile of Jason Capital by sending us any information you believe to be missing, wrong or lacking detail or good quality images we don't have.

Please state sources where possible to make our job easier to verify the correctness of the information.

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